When it comes time to purchase teen insurance, some parents may get nervous about the costs. Insurance companies do charge higher premiums for teenage drivers because of the risk factor. However, a smart consumer can still find ways to receive discounts even on teen insurance. The following are some helpful tips on how one can save on auto insurance:

• Purchase an Older but Safer Vehicle

One of the easiest ways to save on insurance for a teen is by selecting a vehicle that does not throw up red insurance flags. Finding the teen an attractive and economical vehicle with extra safety features is the best way to go. The auto insurance premium will go down because of the age and style of the vehicle, and the safety features will qualify the policyholder for additional discounts.

• Change Insurance Coverage

Sometimes a simple change such as increasing one’s deductibles can drive the monthly car insurance premium down. The policyholder can also remove unnecessary features such as comprehension and collision coverage for the lowest rates. If the automobile is older and does not have an enormous amount of value, comp and collision do not really benefit the policyholder.

• Qualify for Additional Discounts

A teenage driver can qualify for quite a few additional car insurance discounts. For example, a person who maintains a 3.0 GPA can receive special student discounts in some states. The teen driver can also qualify for additional discounts by taking safe driving courses. Safe driving courses will ease the insurance company’s mind about careless motor vehicle operations.

The policyholder may also receive additional discounts by adding more than one vehicle to the policy. Insurance companies also lower rates when a driver on the policy conducts safe ticket-free driving for at least three years. Additionally, affiliations with certain clubs and financial organizations could get someone a nice discount on a policy.

A person can receive a plethora of discounts that will offset the higher cost of a teen policy. The key to manipulating the system enough to save money is to constantly conduct research for additional vehicle insurance money saving opportunities.